WooaHouse Services
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Savings Calculator

Enter monthly deposit and interest rate to calculate maturity amount and after-tax interest

💡 Savings Calculator Tips

  • Simple interest formula: Interest = Monthly deposit × term × (term+1) / 2 × (annual rate / 12 / 100)
  • Interest income tax 15.4% = income tax 14% + local income tax 1.4%
  • Uncheck tax if your savings account is tax-exempt (e.g., Youth Hope Savings)

Frequently Asked Questions

What is the difference between simple and compound interest?

Simple interest applies only to the principal; compound interest applies to both principal and accumulated interest. Most Korean savings accounts use simple interest.

How much interest income tax is withheld?

General interest income is subject to 15.4% withholding tax (14% income tax + 1.4% local income tax). Tax-exempt savings products are not subject to this tax.

What happens to interest if I withdraw early?

Early withdrawal applies a lower early termination rate, significantly reducing your interest. Rates vary by institution — check beforehand.